April 2006
The Best Legacy You Can Leave...  2006 Medicare Report for Seniors: UA & First UA's Latest Video Release  Fast and Efficient Policy Issue is #1 Focus of Underwriting!  The Many Faces of UA Recruiting  A Salute to Our Veterans   Retiree Benefits: Perfect for Budget-Minded Employers!  Top Producers

 Articles:

April 2006 Issue

Published monthly by United American Insurance Company for the dissemination of information to its Agents. Home Office permission must obtained prior to reproduction or other use of this material.

© Copyright 2004, United American Insurance Company,  McKinney, Texas
All rights reserved.

 

 
Editor's Notes
MA14/DMA14 Approvals
As of April 2006, the new ProCare applications, the MA14 and disability application DMA14, are approved in the following states:

Product mailings with memos and sample applications will begin mid-April and stagger through May for approved states. When the new MA14 product mailing is received, you may order supplies and begin using them immediately. For states listed above, the cut-off date for the old MA13 application is June 1, 2006.

Interest Rates Set
The Lifestyle Annuity new money interest rate for the month of April is 4.10 percent. Rates will continue to be reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2006 has been set at 3.00 percent.

Do Not Call Reminder
Please remember that all referrals and leads are subject to Do Not Call (DNC) legislation and UA regulation policies. All phone numbers should be sent to the Home Office to be “scrubbed” against the Federal and Company DNC registries. Agents are responsible for checking the State DNC lists independently.

Home Office Holiday Hours
The UA and First UA Home Offices will be closed Monday, May 29, 2006, in observance of the Memorial Day holiday.

Part A Deductible Waiver Update
As previously communicated, UA launched a program for our Medicare Supplement policyholders (excluding Plan A policyholders) designed to reduce healthcare expenses by waiving the Medicare Part A deductible. The Part A Deductible program uses a preferred hospital network, and each time our Med-Supp customers are hospitalized during a Benefit Period in a participating hospital and incur a Part A deductible all or part of the insured’s Part A hospital deductible is waived. Policyholders are not required to use the hospital network and are free to choose the providers of their choice.Customers participating in the program who incur a Part A deductible that is all or partially waived will receive a $100 credit from UA to be used toward their next premium payment.

UA has contracted with another hospital network provider — USA Managed Care Organization (USA MCO). To view the hospital network, log on to www.uageneralagency.com/office and click on “Part A Deductible Waiver Program Search” on the left hand side of the web page.

UA will also be sending our existing Medicare Supplement policyholders a new identification card which includes the USA MCO logo. Policyholders receiving the new ID card should discard their old card and begin presenting the new one immediately. UA began issuing Medicare Supplement ID cards with the USA MCO logo to new policyholders in late February.

Agents may order the Part A Waiver brochure (F4136 0106) through Agent Supply. The Part A Waiver program is not available in all states; the Part A Waiver brochure may vary by state. The Part A Waiver program is not available for First UA. Please contact Agency Service should you have any questions.


4Advertising Reminders
Any type of sales or advertising materials, including print ads, TV or radio scripts, flyers, or direct mail pieces must be submitted to the Home Office for written approval prior to publication or use. Please allow two to three weeks for the review and evaluation of your piece. If state approval is required, expect additional delays. Some tips for getting your piece approved:
1. Clearly identify the full name of the Company, United American Insurance Company, at least once in the body of the advertisement, preferably near the top.
2. If the advertisement is for a Medicare Supplement policy, you must also include
the Medicare disclaimer at the end of the piece in no smaller than 10-point type. The disclaimer should read: United American Insurance Company is not associated with Medicare, Social Security, or any other government agency.
3. Clearly identify the products and services mentioned in the sales piece.
4. Use words and concepts that your intended audience can clearly understand. Avoid "industry" terms that the average person would not know. Also, avoid using ambiguous terms such as "comprehensive," "the best," or "the only."
5. Use only the most recent facts and figures available when citing general financial information or statistics about the Company, its products, or its ratings. Always provide the source and date for any statistic, and source dates should not be more than two years old.

   
 

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